In Part 1 we looked at several issues that relate to Renters Insurance, and now we’ll continue that discussion with a few more issues to consider.

Renters Insurance Typical Coverage

Under the umbrella category of Homeowners Insurance, the most popular type of Renters Insurance policy is an HO-4. “HO” refers to all types of Homeowners or Renters Insurance policies, and HO-4 is specifically designed for renters. It covers damage or loss of a rental unit’s contents, as a result of a variety of causes, including the following: [Read more…]

If you rent a home or another space, Renters Insurance is an important piece of the equation, providing protection for both your belongings and the liability of the rental property owner. Many property managers require proof of Renters Insurance from tenants, but even if yours leaves it optional, it’s still a good idea.

Either way, there are various types of Renters Insurance policies as well as various levels of coverage, so you’ll want to become familiar with the options before you choose a policy — or update the one you have. [Read more…]

Believe it or not, we insurance agencies don’t look into a crystal ball or roll a series of dice in order to determine your auto insurance premium! Here at Nicholas Insurance, we want to help take some of the mystery out of the premium determination process and help you learn how you can do everything in your power to strive for obtaining the lowest premium possible — if that’s something that’s important to you. Of course, some factors such as age cannot be changed at will, but others are largely affected by choices you make. [Read more…]

Snowmobile safety includes staying warm and safe from frostbite as well as being prepared in the case of an accident. Safety gear starts with full body protection and helmets (see Part 1), but it doesn’t stop there.

Eye and Face Protection

Depending on the helmet style you choose, you may want to use added goggles or sunglasses for eye protection. Be sure to choose ones with colored lenses that will help reveal dangerous depressions you wouldn’t otherwise see in the snow, depending on the light conditions. If you choose anything but a full-faced helmet, you’ll want to wear a facemask too, especially on very cold days. Balaclava face masks are more comfortable and less bulky than knit ones. [Read more…]

When we think of snowmobile safety, most of us think of preventive measures like the ones we talked about in Part 1 and Part 2 of our Basic Snowmobile Safety series. And we can’t emphasize those enough! (If you think you’re prepared, try taking this online snowmobile safety quiz.) [Read more…]

Like it or not, none of us can prevent emergency situations; the best we can do is to prepare for them. Somewhere, there’s a balance between being prepared and fretting about the many “what if” scenarios in life, and that line can be difficult to find. When we do face emergency situations — whether they come in the form of natural disasters, accidents, or medical emergencies — we’ll all be more likely to move past the initial tendency to panic if we have a plan in place. [Read more…]

February 11-20, 2017, is “Take a Friend Snowmobiling Campaign.” Increasingly, people are doing just that. Snowmobiling is a sport that has increased in popularity in recent years. In 2016 alone, 56,006 snowmobiles were sold in the U.S., where there are currently more than 1.2 million registered snowmobiles, on record. [Read more…]

January 20-28, 2018, was International Snowmobile Safety Week. Most snowmobilers report the following reasons for participating in the sport: appreciation of scenery and closeness with nature, getting away from the demands of life, and spending time with family or friends. In fact, 95% of snowmobilers think of snowmobiling as a family activity; most of those who participate are married and have children. This demographic makes safety slogans like “Make Every Trip a Round Trip” even more poignant. [Read more…]

Even if you DIY your home renovation, you probably realize that sometimes it’s actually more cost effective to hire a professional to complete certain aspects of your project. They have the right tools and expertise and can save you valuable money — and sanity! The same is true for dealing with your renovation-related waste. Even if you’re donating or dropping off some of it on your own (read Part 1), you might decide that professional waste-removal will be necessary. If so, here are some general guidelines that can make the process as pain-free as possible.

The Inexpensive Route

A step up from the DIY route, the most cost-effective professional service is usually your normal trash collection service. Simply contact the existing company you use and ask about bulk waste pickup options. The amount they charge will be based on size and/or weight of the waste. Usually similarly priced, companies specializing in renovation waste removal are added options. You’ll want to call around in your area to find out what the best deal would be. [Read more…]

While we all want to do our best to avoid getting into a motor vehicle crash, we also want to make sure we’re prepared, in case one does occur. As with any type of disaster, we can take steps ahead of time to avoid the added burden of panic that comes when we have no clue what to do. It may help to review each of these five using one of your five fingers.

Step 1: Check for Injuries

Of course, you’ll want to start with yourself, being careful not to move until you’re sure you’re not seriously injured. If you are, call 911 or ask someone else in your vehicle or on the scene to do so. If you’re not seriously injured, you’ll then want to check on any passengers and call for help, if needed. Then, make sure your vehicle isn’t causing a hazard for other vehicles; if it is, and it is safe to drive, pull it off to the side of the road. If you cannot move it, turn off the engine, turn on your hazard lights, and prioritize getting yourself and your passengers to safety. If you have road flares, activate them to help other vehicles avoid hitting yours as you wait for help. [Read more…]

Nicholas Insurance Agency

Nicholas Insurance is a family owned and operated business serving York, Pennsylvania and the surrounding areas.

For nearly thirty years, the Nicholas family has provided quality insurance products, friendly service, and expert advice.

Contact Us

Nicholas Agency - West York
Phone: (717) 764-2024
Fax: (717) 764-2431

Nicholas Agency - East York
Phone: (717) 755-5858
Fax: (717) 755-2551

Offering Allstate Insurance

We partner with the Allstate family of companies, backed by an eighty year tradition of service, protection, and being there when people need them. Through Allstate, we protect the things that our customers value most – their cars, home, boats, RVs, motorcycles & more.